Client Has Wife's Employer Health Insurance and Medicare A/B

I am confused on the answers above.

TN dept of commerce and ins links to choosing medigap policy instead of having their own manual.

It says in chart on p22:

You have Original Medicare and
an employer group health plan
(including retiree or COBRA
coverage) or union coverage that
pays after Medicare pays and that
plan is ending.
Note: In this situation, you may
have additional rights under state
law.

It specifies a GHP secondary to Medicare. OP's client's GHP is primary to Medicare so it does not meet the rule.
 
I am confused on the answers above.

TN dept of commerce and ins links to choosing medigap policy instead of having their own manual.

It says in chart on p22:



It specifies a GHP secondary to Medicare. OP's client's GHP is primary to Medicare so it does not meet the rule.

LostDollar,

If you were a licensed and appointed agent, you would also have a producer guide and underwriting guide created by your Medicare supplement company for use with the sale of their products, usually marked for Agent use only.

Those are the manuals/ UW guides referred to above. To my knowledge, all of the carriers that I work with in TN interpret loss of active group coverage due to employment termination of self or spouse as a GI situation, regardless of the size of the company and who is actually paying first dollar. If there is one that does not, other agents can chime in.
 
After goillini52's comment above, I went hunting and found these, among other things:

Premera BC page 6
https://www.premera.com/documents/024227.pdf


Medico page 12
http://www.osbornassoc.com/wp-conte...Medicare-Supplement-Underwriting-08182015.pdf

Both of those have language that follows the government medigap supplement purchasing guide. I was just trying to keep my original question post short and simple, using the one document to frame the question.

Edit:
Here is a Gerber guide which does not include TN under special exceptions listed on pp 6-7

http://cdn2.hubspot.net/hub/11198/f.../marketing/gerber life/underwriting_guide.pdf
 
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It specifies a GHP secondary to Medicare. OP's client's GHP is primary to Medicare so it does not meet the rule.

Technically correct according to Medicare as well.

https://www.medicare.gov/find-a-pla...staticpages/learn/rights-and-protections.aspx

#2: You have Original Medicare and an employer group health plan (including retiree or COBRA coverage) or union coverage that pays after Medicare pays and that plan is ending.

That being said, I have never had a carrier or app ask if Medicare was primary or secondary.

But then I try not to write GI business and certainly don't do it for peanuts.
 
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